What role for technology and crypto in the SIU? 

Objectives This session will examine how technology and crypto-related innovations can support the objectives of the Savings and Investments Union (SIU), and whether the current legislative and supervisory framework provides an adequate basis to enable these developments or whether further action is needed. Points of discussion Potential contribution of technology and crypto to the SIU: … Continued

Objectives The session will examine how interest rate dynamics and margin structures shape bank competitiveness, including differences in interest rate pass-through across Member States and the impact of variable-rate versus fixed-rate lending models on profitability and “profit pools” within Europe. The discussion will also address the global rise of non-bank financial intermediation, which is reshaping … Continued

Objectives The session aims first to clarify what “simplification” should mean in practice in the context of EU banking prudential regulation and supervision, and how it differs from deregulation or capital relief. It will seek to identify where complexity no longer delivers proportional prudential benefits and where targeted simplification could enhance transparency, usability and effectiveness, … Continued

Objectives This session will examine the progress of tokenisation in EU capital markets, the value it can deliver and its potential impact on market structures and processes, as well as the key operational and regulatory conditions required to scale its adoption. It will also assess whether the EU’s regulatory and supervisory framework needs adjusting to … Continued

Objectives The objective of this session is to assess whether the current EU framework remains fit for purpose. The discussion aims to identify sources of complexity and fragmentation, assess their impact on cross-border banking groups, examine proposals to simplify buffer architecture and improve calibration methodologies, and explore governance options to strengthen coordination. Ultimately, the session … Continued

Objectives This session will examine the expected impact of the proposed Digital Omnibus Package in terms of burden reduction, legal clarity and improved conditions for digital innovation in the EU financial sector, and identify any further policy actions that may be needed to support digital transformation in the sector. Points of discussion Simplification impacts of … Continued

Objectives This session will take stock of recent developments in cryptoasset markets and the first lessons from the implementation of the Markets in Crypto-Assets Regulation (MiCA), in a context of evolving international approaches and renewed market volatility. It will also assess the outlook for crypto markets and whether additional policy or supervisory measures may be … Continued

Objectives This session will serve as an introduction to the afternoon dedicated to the digitalisation of financial services and the use of technology in finance. It will assess whether the EU financial sector’s digital transformation is progressing at a sufficient pace to support its global competitiveness, and whether the EU’s policy and supervisory framework is … Continued

Objectives The question is no longer whether securitisation should be revived, but how far, how fast, and under which market and governance model. Beyond reallocating existing bank credit risk, the broader issue is whether Europe is prepared to use securitisation to help create liquid, tradable and investable assets, capable of supporting secondary markets, attracting long-term … Continued